# HDFC Bank business loans > HDFC Bank is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, loan against property, overdraft / cash credit and 4 other products. Source: https://www.recurclub.com/lenders/hdfc-bank Last updated: 2026-09-29 Also offered, with no terms observed yet: Cgtmsme Overdraft Cash Credit, Loan Against Property, Overdraft / Cash Credit, Purchase Invoice Discounting, Secured Term Loan, Unsecured Business Loan, Working Capital Demand Loan. ## Eligibility - HDFC BANK LIMITED ### Screening gates and observed behaviour - Borrower: CIBIL ≥650 · age ≥1y (varies by product) · Maharashtra, Karnataka (varies by product) · Private Limited, Public, Sole proprietorship, Limited Liability Partner · sector-agnostic (46 sectors — full list in data JSON) (varies by product) - Financials: EBITDA ≥₹-100cr (varies by product) · runway ≥6mo (varies by product) · TOL/adjusted tangible net worth ≤4 · debt/EBITDA ≤3 · debt/networth ≤3 · DSCR ≥1 · maximum networth: 1000 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only) · rev ≥₹10cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan) · rev ≥₹20cr (machinery loan, vehicle financing, vendor financing) · networth ≥₹1cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only) - Deal: rate 7–16% (range across products — see matrix) · ticket ₹2–300cr (range across products — see matrix) · tenure 12–180mo (range across products — see matrix) - Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (50%) - median ticket ₹10cr - median rate 12.4% - median turnaround — - Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1), Personal Guarantee Of Promoters/Directors (×1) - Security asked in : 1st/pari-passu charge on current assets (×10), Personal Guarantee Of Promoters/Directors (×9), FD margin 20–30% (×6), FD margin 30–40% (×4) - Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×6), 1st/pari-passu charge on current assets (×6), 1st charge on immovable assets (×3), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×2) - share → in-principle approval (initial interest): ≈46d ## Eligibility - HDFC SECURITIES LIMITED ### Prefers - Declined deal because rate was below HDFC AMC's mandate threshold - Declined deal because ticket size was below HDFC AMC's mandate threshold - xirr target of 14 to 16 ### Screening gates and observed behaviour - Borrower: CIBIL ≥650 - Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1 - Deal: rate 12–14% · ticket ₹75–300cr · tenure 18–60mo - Security (observed): share pledge ≤51% (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) - Security asked in : Personal Guarantee Of Promoters/Directors (×2), 2nd charge on current assets (×1), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1) - Security asked in 2026: share pledge ≤51% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st/pari-passu charge on current assets (×1) ## Sanctioned terms (from 187 real sanction letters) ### Sanctioned amount: median ₹1.4 cr (₹5L–₹129.6 cr) · RENEWAL ×31 · NEW ×24 · ENHANCEMENT ×12 - median ₹1.4 cr (₹5L–₹129.6 cr) · RENEWAL ×31 · NEW ×24 · ENHANCEMENT ×12 ### Typical security: Fixed Deposit ×32, Stock ×22, Personal Guarantee ×20, Book Debts ×16, Stock/Inventory ×14, Residential Flat / Apartment ×13 - Fixed Deposit ×32, Stock ×22, Personal Guarantee ×20, Book Debts ×16, Stock/Inventory ×14, Residential Flat / Apartment ×13 ### Typical covenants: - Other standing covenants — 48% of letters (e.g. "rate may change subject to applicable scheme and promotions at the time of disbursement.") - Other standing covenants — 48% of letters (e.g. "rate may change subject to applicable scheme and promotions at the time of disbursement.") ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### What does HDFC Bank lend? HDFC Bank writes cgtmsme overdraft cash credit, loan against property, overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan and 1 further products. ### What are HDFC Bank's eligibility criteria? The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page. ### What security does HDFC Bank ask for? Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (50%). ### How do I apply to HDFC Bank? You do not apply to HDFC Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against HDFC Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached. ### Is HDFC Bank the right lender for my business? It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what HDFC Bank screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of HDFC Bank's current policy.